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Frequently Asked Questions

What is Vizient Cooperative?

Vizient Coop is a licensed multipurpose society empowering the honest & hardworking to create wealth. We are managed by a SEC-licensed firm and members participate in joint investments like bonds, agriculture, real estate, and more.

  • Our contribution groups are diversified for various risk appetites, ranging from low to medium.
  • Flexibility is key; make contributions at any time during the year, and monthly top-ups are not mandatory after your first contribution.
  • Our tenures range from 1 to 5 years, allowing you to choose a suitable time frame for your contribution goals.
  • Our returns are competitive. We recommend contributing according to your risk profile for optimal returns.
For information on levels of assurance for different asset classes, we kindly refer you to our Cooperative Terms & Conditions and Bylaws.
Yes! Through our multi-family office, we onboard all Africans and diasporans. For details, please send a message through our contact form.
Upon joining, you may select a tenure ranging from 1 to 5 years. We recommend exploring the resources available on your member’s dashboard, including our “Getting Started” guide.
Once your profile is set up, you are free to start contributing immediately. However, we recommend that you take some time to go through our “Getting Started” resources first.
Returns are generally paid out on an annual basis. However, for Purple Pool, you have the option to specify monthly returns.
Please log in to your dashboard to request a withdrawal from your wallet. You may also use the funds in your wallet to reinvest in an existing pool or to book a different one.

In accordance with our compliance requirements, payments are not processed without withdrawal requests. Amounts that are not withdrawn are rolled over for an additional year in the same contribution group.

Once a withdrawal is requested, it will appear as pending until the end of the month, and your payment will be credited to your bank account on or before the 5th day of the new month.

Our contribution groups come with varying levels of risk, with some offering principal guarantees while others do not. For detailed descriptions of our contribution groups, please refer to our “Getting Started” resources on your member’s dashboard.
While monthly contributions are not mandatory after the first contribution, members can make additional contributions at any time.
An additional contribution is queued until the 1st day of the new month when it becomes active. It runs for one year for Green and Red, and for the remaining years of any active Gold, Platinum or Purple pool.
Do not delete the pending contribution. It will activate at the start of the new month. Any additional top-ups will be consolidated as one on the 1st day of the month.
As member funds are invested together, withdrawing funds before maturity can disrupt the entire pool. If early withdrawal is consented to, the amount of any cost or loss borne by other members because of the withdrawal will be deducted from the investment.

While the standard penalty for early exit is 20% loss to both principal and returns till date, there is a possibility of a higher penalty if we have to force-sell a member’s slot.

Yes. However, due to CBN’s restrictions on interbank transfers, we prefer making payments to offshore accounts for amounts exceeding $1,000. If you do not have an offshore account, we can still process payments to your Nigerian USD account through our international payment partners, but this may incur a transaction fee of up to 4% of the transferred amount.
Yes. When processing a payment to your USD account, you will incur transfer fees similar to that of international bank transfers. This applies whether your account is local or international.

However, Purple members receive their transfers without charges.

Providing your Bank Verification Number is mandatory as per regulatory requirements for Know Your Customer (KYC), Anti-Money Laundering (AML), and Combating the Financing of Terrorism (CFT). If you do not have a BVN, we have alternative methods of KYC.
Paying the Naira equivalent:
  • Bank transfer via Paystack or Rave: ₦50 fee. Use this to minimise charges. You have 30 minutes to complete payment.
  • Card payment via Paystack or Rave: ₦2,000 fee.

ACH bank transfer (US) to Ploutos App:

  • Use this if you have a US account. Check for the full wire details on your dashboard.

Transfer to Nigerian USD account:

  • Use GTBank or Access Bank if you have an account in those banks.
    Otherwise, transfer to our FCMB Custodian account.
    Charges: ~0.525% of amount + ~$40 telex fee.

USD over-the-counter cash payment:

  • Pay over the counter at the bank using the USD account number on your dashboard. 1% surcharge.
If you send money to an account that is not our official bank account or dedicated payment channel, with the account name Vizient (Eti-Osa) Cooperative Multipurpose Society Limited or Ploutos App Inc, we are not required to provide value for that investment.
Your Next of Kin serves as an emergency contact if, for any reason, a member passes on or becomes incapacitated. However, we can only make payment to the person listed on a letter of administration, as this document specifies the executor of the member’s estate.

Formerly Volition Coop • LSCS 18278 • Incorporated 2023

Vizient Coop helps the honest & hardworking create wealth with peace of mind. We pool contributions from the middle class and mass affluent to create large institutional funds. In doing so, we provide returns that are typically only enjoyed by HNIs or organizations.

We are a private family & friends cooperative managed by Volition Cap, a SEC-licensed fund manager. We do not solicit funds from the general public, and contributions are reserved for our members only.

©2025 Vizient Cooperative. All rights reserved.